Rebuilding costs guide 2011
|
|
- Janice Byrd
- 8 years ago
- Views:
Transcription
1 Introduction Underinsurance is a perennial problem for the insurance industry in general, particularly so in the case of building insurance. Costs do not remain constant over time, vary according to building types and materials, and are also subject to local variations in building costs relating to factors such as labour costs, remoteness or inconvenience. Where buildings are of fine quality or over a hundred years old, and especially if they are listed, the variables become even greater. We have produced this guide to valuing buildings as an aid for the use of our underwriters. It ideally relies on knowing the total external floor area of the building (the sum of all floors) and there are various escalators to cover the variations mentioned above as well indicators of potential additional costs. This guide is designed give our underwriters some general indication of the probable range of rebuilding costs in cases where there is no genuine source for the sums insured or where there are reasons to doubt them. It must be emphasised that there can be no substitute for a professional evaluation. VAT Hiscox underwrites on the basis of declared total rebuild costs which include VAT but do not include professional fees, demolitions and the provision of alternative accommodation. We understand that technically in the case of a complete rebuild the build costs are not subject to VAT, but in reality the vast majority of losses are a proportion of this sum, and as such are liable to VAT. We allow up to 25% for professional fees over and above the sum insured. Listed buildings In general for listed buildings there is a requirement to replace decorative features and materials on a like for like basis; this may also apply to buildings in a Conservation Area (exterior only). This may have a significant impact on costs. We have suggested an increase in costs of at least 10% if a building is listed. Where a building is listed Grade I, II*, or A (in Scotland and Northern Ireland) a professional assessment must be obtained. Hiscox does not provide extended cover for Grade I, II* or Grade A buildings. Important notice to brokers Copies of this guide will be also made available to brokers for their information, to assist them in the preparation of placing information and to give a better understanding of the underwriting issues involved. It is not, however, intended as a valuation guide for broker or policyholder use and neither should rely on this document in determining their insurance needs in any specific case. It is for the broker and their client to determine and advise underwriters of the level of insurance cover required and Hiscox does not undertake to brokers or policyholders that the values and costings given in this guide will be appropriate. Hiscox does not accept responsibility to brokers or policyholders if rebuilding costs in a specific case vary from those suggested by the guide and in referring to this guide brokers and policyholders agree that Hiscox will not have any liability to them in respect of the contents of this document /11 1 of 7
2 Suggested standard rates Note multipliers at the end of this report should be applied where appropriate Larger country house Mass design house Suggested rebuild: 2,000 to 4,000 per m² Urban terraced house with three storeys plus Suggested rebuild: 1,200 to 1,500 per m² Cottage/village house Suggested rebuild: 1,300 to 2,500 per m² Suggested rebuild: 2,000 to 5,000 per m² Individual executive house Suburban villa/semi-detached house Suggested rebuild: 1,500 to 2,500 per m² Suggested rebuild: 1,500 to 2,500 per m² /11 2 of 7
3 Please note, as already indicated, that professional valuations should be obtained for the following types of risk: Listed properties or properties located in a conservation area Properties with finely carved stone or decorative brick construction Properties of timer framed construction Properties with elaborate pargetting (decorative external plasterwork) Properties with thatched roofs Properties with exceptionally fine quality interiors Properties of various build dates Very large properties Converting square feet to square metres To convert from square feet into square metres divide the measured area by Note: external figures are used to calculate costs. If available figures are internal (such as from an estate agent s particulars) multiply by 10% to give an approximate sum. Area not known Allow between 50 and 100m² for each bedroom depending on the scale of the property (sliding scale from three to ten bedrooms) Attics and secondary floors It is standard practice to rate attic floors at approximately 70% of the cost of the main floors; similarly different rates can be applied throughout a building where appropriate. Multipliers for particular features These are very general and intended as a guideline only. They give an indication of where variables may lie and should be used with discretion. Poor access to the property or an isolated or remote situation will also have a significant impact on costs Add 5% to 10% if listed OR Add 10% to 20% if pre 1850 Add 10% to 50% for very high levels of finish Add 10% if ceiling heights over 3m Generally the larger the property the less weight should be given to these variations. In all instances discretion should be used. Regional variations To reflect the regional impact on rebuilding costs, the following weightings can be considered: Region Weighting London 1.20 South East 1.10 N.West, S.West, Eastern and Scotland 1.00 Midland, Yorks, N. East & Wales 0.95 Northern Ireland 0.75 Obviously there will be variations within these regions, especially for very urban or very rural properties /11 3 of 7
4 Additional features The building rates do not allow for special features and therefore particular consideration should be given for the following common features, and any other features of note. In general the Insured will often have details of expenditure on items such as kitchens, conservatories, swimming pools, decoration, lighting or hi-fi systems and simple questioning can provide accurate sums for this type of expenditure (see standard questionnaire). Additional external features may include (approximate guidelines) Conservatory/greenhouse ask client for sums if recently built or apply rate of between 1,000 (standard upvc double glazed) to 4,000 (top quality bespoke timber) per m² Be aware of convenience of access - generally total will be between 20,000 and 100,000 Septic tank and associated drainage - 10,000 to 25,000 Boundary walls and fencing - 10,000 upwards (insuring on a first loss basis may be more appropriate) Driveway/patio/terrace/footpaths - 5,000 to 50,000 Swimming pool - 30,000 to 60,000 (also allow for electric covers) Tennis court - 20,000 to 40,000 Architectural features (colonnade/clock towers/chimneys) CCTV and security hardware Patio or house lighting/audio etc. Additional internal features may include Kitchens could be as much as 250,000 for bespoke one Bathrooms when of special quality Dressing rooms, studies, etc., when fitted with bespoke furnishings Integral hi-fi, vacuum system, air conditioning etc. Intruder alarm systems, CCTV, etc Chimneypieces or fireplaces - marble, carved wood, wood and gesso - decorative tile work Decoration - hand printed wallpapers can cost upwards of 500 a roll - fabric linings to walls - decorative paint finishes, murals, etc. - floor materials, such as stone, marble, oak, etc. - panelling - plasterwork these will clearly require professional evaluation if historic Garages Standard rates for garages start at approximately 10,000 for a single and 15,000 for a double and rise according to the nature of the construction. If attached to the house and built in a similar manner they should be rated accordingly. If integral to the house they should just be included in the calculated area of the house. Outbuildings Outbuildings are rarely finished to the same standard as the main building and therefore an appropriate figure for the rebuilding cost per square metre should be allowed. There are many variations of outbuildings in terms of design, structure, usage and materials and these should all be considered before applying a rate. Suggested figures for outbuildings would range from 300 per square metre to 1,000 per square metre. Also note condition if very poor underwriters may wish to restrict or refuse cover /11 4 of 7
5 Specific examples Hertfordshire 3,500 Insured refurbished to very high standard Recommended 2,100,000 London 2,000 Recommended 640, K for patios etc Bedfordshire 1,500 Recommended 550,000 London 6 bed - note 100,000 kitchen 3000 Recommended 1,370,000 Yorkshire 1,750 Recommended 735, /11 5 of 7
6 Leicestershire 2,200 Recommended 915,000 Derbyshire 2,500 Recommended 1,040,000 Middlesex 2,200 (high spec refurbishment) Recommended 980,000 Essex 6 beds 1,750 Recommended 580,000 Surrey 7 beds 2,600 Recommended 1,120,000 Wiltshire 4 beds 2,300 attic 30sq m at 1,600 Conservatory 20,000 Recommended 505, /11 6 of 7
7 Sussex 2,100 Recommended 740,000 Herefordshire 2,400 Recommended 3,200,000 Lincolnshire 2,700 (original 18 th century) and 2,000 (Edwardian extension) Recommended 1,250,000 Hampshire 5,000 Recommended 12million Sussex 10 beds 3,000 Recommended 3,800, /11 7 of 7
The Home Insurance Healthcheck
The Home Insurance Healthcheck Your Home and its contents are probably your most valuable assets and you need to be sure that you are adequately covered for all eventualities. keep your home fit and healthy
More informationHome Insurance Questionnaire Republic of Ireland
Home Insurance Questionnaire Republic of Ireland Home Insurance Policy Republic of Ireland Questionnaire There are conditions, limitations, exclusions and excesses within the wording, a copy of which will
More informationThe Granary, Back Street, Reepham, Norwich NR10 4SJ Tel. 01603 308 051 enquiries@internetsurveysltd.com www.internetsurveysltd.com
The Granary, Norwich NR10 4SJ Tel. 01603 308 051 enquiries@internetsurveysltd.com www.internetsurveysltd.com R E P O R T P R E P A R E D F O R Mrs J McCleave P R O P E R T Y A D D R E S S R I S K M A N
More informationA Guide to... Home Renovation Incentive (HRI)
A Guide to... Home Renovation Incentive (HRI) About this guide This guide will tell you what you need to know if you are organising to have construction work done on your house and would like to avail
More informationCONSTRUCTION COST GUIDE
KEEPING YOUR COSTS TO A MINIMUM CONSTRUCTION COST GUIDE SECOND HALF 2012 One Lower Leeson Street, Dublin 2, Ireland Telephone 01 685 7219 Email info@build.ie Website www.build.ie SCSI TENDER INDICES Building
More informationINSURANCE CORPORATION
HOUSEHOLD SUM INSURED GUIDE INSURANCE CORPORATION Your policy covers the full cost of repair or replacement if your Building Contents or Personal Possessions are lost, damaged or destroyed regardless of
More informationLandlord Underwriting Guide
Landlord Underwriting Guide Definitions/Excesses The Allianz Landlord Insurance Policy is designed for people who own individual properties or for those who own multiple properties. The Policy provides
More informationHow To Write A Home Protection Insurance Policy
Argus Insurance Agencies Limited La Concorde Tel: +356 2342-2000 Triq Abate Rigord Fax: +356 2342-2190 Ta Xbiex XBX 1121 home@argus.com.mt www.argus.com.mt THE NEW HOME PROTECTOR EXTRA INSURANCE PROPOSAL
More informationFLATS INSURANCE. Proposal Form November 2004 Edition
FLATS INSURANCE Proposal Form vember 2004 Edition Completing the Proposal Form To apply for the Flats Insurance Policy, complete this Proposal Form in BLOCK CAPITALS using a ball-point pen (blue or black
More informationMaximum Floor Area and Maximum Development Area
TOWN OF LOS ALTOS HILLS 26379 Fremont Road Los Altos Hills, CA 94022 Phone: (650) 941-7222 www.losaltoshills.ca.gov Maximum Floor Area and Maximum Development Area Revised-7/31/13 INSTRUCTIONS FOR WORKSHEET
More informationDo I need planning permission?
Do I need planning permission? Advice for householders on house improvements on house improvements Planning Services www.leeds.gov.uk/planning What does this leaflet cover? Certain minor changes to a house
More informationCamberford Law plc PROPOSAL FORM. Innovative Insurance Solutions Since 1958
A UNIQUE AND COMPREHENSIVE INSURANCE SCHEME FOR UNOCCUPIED PROPERTY PROPOSAL FORM Camberford Law plc Innovative Insurance Solutions Since 1958 Insurance Brokers Underwriting Agents Authorised and Regulated
More informationare you under insured?
are you under insured? Make sure you re covered Are you underinsured? Many people underestimate how much Insurance cover they actually need! Or they simply renew their Insurance policies each year without
More informationImportant Information for Owners of Buildings in Flood Zones
Important Information for Owners of Buildings in Flood Zones Rebuilding your home after the storm? Adding on, renovating, or remodeling your home? Here is information YOU need to know about the 50 percent
More informationNew Water Mill North Estate with Tennis
New Water Mill North Estate with Tennis 121 Noyack Path, Water Mill Gary R. DePersia Licensed Associate Real Estate Broker m: 516.380.0538 gdp@corcoran.com myhamptonhomes.com Property Details / Amenities
More informationINSURANCE PROPOSAL FORM
INSURANCE PROPOSAL FORM NOTE: Please fill in this form carefully. We will use the information you give on this form to decide whether we can insure you and to decide the premium and the conditions of insurance.
More informationA GUIDE TO OWNING OR BUYING A LISTED BUILDING
A GUIDE TO OWNING OR BUYING A LISTED BUILDING 00 Pages The 0 Listed 0 Property Owners Club CONTENTS INTRODUCTION 1 Introduction 2 What is a listed building? 4 How are listed buildings chosen? 8 The conservation
More informationNATIONAL ASSOCIATION OF REALTORS. National Center for Real Estate Research
NATIONAL ASSOCIATION OF REALTORS National Center for Real Estate Research THE VALUE OF HOUSING CHARACTERISTICS by G. Stacy Sirmans, PhD Kenneth G. Bacheller Professor of Real Estate Department of Insurance,
More informationThink Of Us First! When It s Time to Distribute Your Plans
Think Of Us First! When It s Time to Distribute Your Plans CONSTRUCTION NOTEBOOK WILL LIST YOUR PLANS AND SPECS FREE CALL TODAY FOR DETAILS 702-876-8660 Why use Experience We have over 60 years of experience
More informationSelf-Home Inspection Checklist
To be used as a first home visit for note taking. Visit www.homeinspectiondirect.com for more tips and information about buying a home and hiring a home inspector. This form in no way replaces a professional
More informationSUBSTANTIAL IMPROVEMENT OR SUBSTANTIAL DAMAGE NOTICE TO PROPERTY OWNER
NOTICE TO PROPERTY OWNER Rebuilding your Home after the storm? Adding on, renovating, or remodeling your home? Here's information YOU need to know about the 50% Rule. If your home or business is below
More informationGuidance on Householder permitted development rights
FORWARD CONTENTS CLOSE Guidance on Householder permitted development rights Circular 1/2012 CONTENTS BACK FORWARD CLOSE 1. INTRODUCTION 04 2. BEFORE STARTING 05 3. MAIN CONCEPTS 07 Principal elevation
More informationChallacombe Close Hutton Mount, Brentwood.
Challacombe Close Hutton Mount, Brentwood. Challacombe Close Hutton Mount, Brentwood. 1,999,995 Situated within this highly desirable position on Hutton Mount, a detached five bedroom luxury residence.
More informationCity of Treasure Island FEMA Cost Breakdown Worksheet For Substantial Improvement / Damage
City of Treasure Island FEMA Cost Breakdown Worksheet For Substantial Improvement / Damage Property Address: Company Name: Contractor Name: Contractor Address: City: State: Zip: License Number: Phone Number
More informationGuide to Planning Permission and Building Regulations for Householders Please note that this is an informal guide to planning permission and building regulations for householders. Questions regarding specific
More informationINSURANCE BACKED GUARANTEES
Give your customers a more valuable guarantee Win more business by offering a more valuable guarantee Customers increasingly expect their home improvement and building work to be guaranteed. The facility
More informationHome Insurance Proposal Form
Home Insurance Proposal Form Home Insurance Proposal Form Proposal Form There are conditions, limitations, exclusions and excesses within the wording, a copy of which will be provided on request. A copy
More informationHOLMAN UNDERWRITING UNOCCUPIED PRIVATE DWELLINGS PROPOSAL FORM
Holman Underwriting Policies Underwritten at Lloyd s London Underwriting Centre, 3 Minster Court, Mincing Lane, London, EC3R 7DD Tel: 020 7977 8200 E-mail household@holmans.co.uk Fax: 020 7977 8201 HOLMAN
More informationExempted Development - Frequently Asked Questions
Exempted Development - Frequently Asked Questions Important Pre-Conditions Please note all exempted development is subject to certain restrictions as set out in Articles 6, 7, 8, 9 and 10 of the Regulations.
More informationAmerican Safety Insurance Company
American Safety Insurance Company General Liability Program A- Rated (Non-Admitted) Table of Contents Page 2 Page 3 Page 4 5 Underwriting Guidelines and Coverages Prohibited Classes Underwriting Classification
More informationHoliday Home Insurance PROPOSAL FORM
Holiday Home Insurance PROPOSAL FORM Holiday Home Insurance Summary of Cover available There are conditions, limitations, exclusions and excesses within the wording a copy of which will be provided on
More informationFixed price 295,000 www.stewartwatson.co.uk
THE AULD MILL, CRAIGSTON, TURRIFF. AB53 5PU Attractive converted mill set in woodland Spacious Lounge & Dining Kitchen 4 Bedrooms, Bathroom & Shower Room Oil CH & DG Category B listed Mature landscaped
More informationTO LET Ideal Starter Warehouse / Light Industrial Unit
TO LET Ideal Starter Warehouse / Light Industrial Unit WARWICK HOUSE BUSINESS PARK BANBURY ROAD SOUTHAM CV47 2PT Typical terrace frontage Unit 14 500 sq ft (46.37 sq m) Extensively refurbished former bathroom
More informationPrice: 365.000 agency fee included A HOST OF TRADITIONAL FARM BUILDINGS WITH IMPRESSIVE CENTRAL COURTYARD AROUND WHICH LIE
19 Place de la Halle 82140 St. Antonin Noble Val Tarn et Garonne Tel: 0033 (0)5 63 30 60 24 Fax:0033 (0)5 63 68 24 67 e-mail: info@agencelunion.com website: www.agencelunion.com THE BRITISH ESTATE AGENCY
More informationCONSTRUCTION INSURANCE OWNER BUILDER APPLICATION
SURA CONSTRUCTION PTY LTD LEVEL 13 / 141 WALKER ST NORTH SYDNEY NSW 2060 P O BOX 1813 NORTH SYDNEY NSW 2059 CONSTRUCTION INSURANCE OWNER BUILDER APPLICATION CONSTRUCTION INSURANCE OWNER BUILDER APPLICATION
More informationReal Estate Foreclosures:
Real Estate Foreclosures: Residential, Commercial, and Land only Properties Contact our nearest Scotiabank today! Or call: 221-0114 or 221-0180 Belize District Brief Description: Lot No. 6 situated at
More informationWhat adds value? Add a good sized room onto a 2-bed property & raise value by 10%+ Extra bathroom can add c10% 34% premium for period living
What adds value? Add a good sized room onto a 2-bed property & raise value by 10%+ Extra bathroom can add c10% 34% premium for period living Headlines Gross Value Added - % Adding a third bedroom of 140
More informationThe Lambton County Homeowner's BUILDING PERMIT INFORMATION GUIDE
The Lambton County Homeowner's BUILDING PERMIT INFORMATION GUIDE BUILDING SERVICES DEPARTMENT 789 Broadway Street, Box 3000 Wyoming, ON N0N 1T0 Telephone: 519 845-0801 Toll-free: 1-866-324-6912 Fax: 519
More informationSUBSTANTIAL IMPROVEMENT OR SUBSTANTIAL DAMAGE APPLICATION REVIEW
CITY OF EDGEWATER BUILDING DEPARTMENT 104 North Riverside Drive Edgewater, Florida 32132 Phone: (386) 424-2400 X 1514 FAX: (386) 424-2423 SUBSTANTIAL IMPROVEMENT OR SUBSTANTIAL DAMAGE APPLICATION SUBSTANTIAL
More informationHome Insurance Proposal
Amlin UK Home insurance proposal The Home Insurance Keyfacts document should be read before you complete this proposal. Please complete all details on this proposal in BLOCK CAPITALS. A. DETAILS OF PROPOSER(S)
More information31 Linden Lane Kirby Muxloe Leicestershire LE9 2EG
31 Linden Lane Kirby Muxloe Leicestershire LE9 2EG 31 Linden Lane Kirby Muxloe Leicestershire LE9 2EG Newton Fallowell are excited to offer for sale this individually designed and unique three/four bedroom
More informationNotice to Property Owners
Modification or Repair of your Flood Prone Property Notice to Property Owners Rebuilding or Remodeling Your Home If your home or business sustained damage, or if you are making improvements to the structure
More informationP r o j e c t C a s e S t u d y
P r o j e c t C a s e S t u d y Mangrove Place Project: Mangrove Place Start Date: 2009 Completion Date: Ongoing Location: Al Reem Island, Abu Dhabi, UAE Industry: Residential Developer: Luxury Real Estate
More informationSpouse #1: Spouse #2: Who is the primary contact, and what is the best time and way to reach that individual?
Buyer Questionnaire who you are First Name: Middle: Last: Mailing Address: Phone: Email: Birthday: Spouse #1: Spouse #2: Who is the primary contact, and what is the best time and way to reach that individual?
More informationOpen House and Home Tour Checklist
1 The House Address: Number of floors: Listing price: Basement? Property tax: Outdoor space? Eugh closet space? Style: Eugh storage space? Square footage: Room for expansion? Number of bedrooms: What appliances
More informationBLOCK OF FLATS PROPOSAL FORM SUMMARY OF COVER
BLOCK OF FLATS PROPOSAL FORM SUMMARY OF COVER Insurance Corporation s Block of Flats insurance is a modern, convenient policy giving wide cover at a competitive price. It has been designed to meet the
More information4 Birch Grove Manor Birch Grove View, Newton Mearns G77 6NJ. www.nicolestateagents.co.uk
4 Birch Grove Manor Birch Grove View, Newton Mearns G77 6NJ Welcome to Birch Grove Manor Birch Grove Manor is an exclusive development of only four contemporary detached homes, quietly tucked away in a
More informationcountry properties village properties town homes barn conversions building plots
country properties village properties town homes barn conversions building plots KIRKLEES HOUSE, 76 WEST CRESCENT, DARLINGTON, DL3 7PR Price 289,950 www.carvergroup.co.uk An excellent opportunity to purchase
More informationAcceptance on the Approved List of contractors cannot however guarantee that any work orders will be issued to that contractor.
PROPERTY MANAGEMENT INTRODUCTORY GUIDANCE NOTES FOR THE APPLICATION TO THE APPROVED LIST OF CONTRACTORS CONTRACTORS GUIDANCE NOTES APPLICATION FORM ISSUED BY: PROPERTY MANAGEMENT UNIT WEST YORKSHIRE FIRE
More informationRoSPA believes that areas where children play should be as safe as necessary not as safe as possible
INSPECTION OF AREAS WHERE CHILDREN PLAY For Parish, Town & Community Councils, Schools and Voluntary groups, from the world s premier Play Safety organisation RoSPA believes that areas where children play
More informationA Guide for Residents. Sutton Garden Suburb Conservation Area
A Guide for Residents Sutton Garden Suburb Conservation Area Introduction This leaflet is designed to provide residents with information and advice about living in the Sutton Garden Suburb Conservation
More informationSpecial Use Commercial Properties
Contents Overview of Special Use Commercial Properties...3 Understanding Fast Food Restaurants...3 Understanding Gasoline Service Stations...4 Understanding Self-Service Cashier Booths...5 Understanding
More informationWOODLAND HOMES BUILDING PROCESS A STEP BY STEP CONSTRUCTION GUIDE TO YOUR NEW HOME
WOODLAND HOMES BUILDING PROCESS A STEP BY STEP CONSTRUCTION GUIDE TO YOUR NEW HOME 1 THE BUILDING PROCESS The focus of Woodland Homes building department is Quality, Service and Predictability. Through
More informationNew Price. Firgarth Guest House Windermere. Offers around 685,000 Freehold CONTACT US. Delightfully appointed landmark guest house
New Price Firgarth Guest House Windermere CONTACT US Delightfully appointed landmark guest house 8 attractively decorated en suite letting bedrooms Really spacious two bedroom self-contained owners apartment
More informationP A L L A D I U M H o m e I n s u r a n c e P r o p o s a l F o r m
P A L L A D I U M H o m e I n s u r a n c e P r o p o s a l F o r m P R O V I D I N G P E A C E O F M I N D The Proposer You must take reasonable care to provide complete and accurate answers to all questions.
More informationMaking life easier for property management agents
Making life easier for property management agents PROPERTY MAINTENANCE GAS PLUMBING ELECTRICS APPLIANCES GLAZING DECORATING LOCKS CARPENTRY HANDYMAN ROOFING ALARMS CCTV Taking the hassle out of property
More informationwww.butterfieldgroup.com
Home Insurance P.O. Box 705 Grand Cayman KY1-1107, Cayman Islands www.butterfieldgroup.com Heritage HomeCover Proposal CUSTOMER INFORMATION Please answer all questions fully Please note that you must
More informationBROWN & McRAE 33 KNOCKIE ROAD TURRIFF AB53 4BG LAWYERS ESTATE AGENTS NOTARIES PUBLIC. www.brown-mcrae.co.uk
BROWN & McRAE www.brown-mcrae.co.uk turriff@brown-mcrae.co.uk LAWYERS ESTATE AGENTS NOTARIES PUBLIC 10 High Street Turriff Aberdeenshire AB53 4DS Tel: 01888 568950 Fax: 01888 563031 Anderson House 9 11
More informationCHARLOTTE COUNTY Community Development Department
CHARLOTTE COUNTY Community Development Department Building Construction Services Division 18400 Murdock Circle, Port Charlotte FL 33948 Phone: 941.743.1201 Fax: 941.764.4907 www.charlottecountyfl.gov 50
More informationHome Insurance Questionnaire Republic of Ireland
Home Insurance Questionnaire Republic of Ireland Home Insurance Policy Questionnaire There are conditions, limitations, exclusions and excesses within the wording, a copy of which will be provided on request.
More information550,000. Westfield Close, BATH
Offers in excess of 550,000 Energy Efficiency Rating: D Westfield Close, BATH Detached Three Reception Rooms Three Bedrooms Kitchen and Utility Bath and Shower Rooms Garage & Driveway Parking Gardens Spectacular
More informationSchedule B to By-law 33-2009 Part A Fees Payable for Permits
Floor Area Calculation Floor area shall: Part A Fees Payable for Permits (Effective January 1, 2015) a) be calculated by measuring to the outer face of exterior walls and to the centre of party walls or
More informationHOME INSURANCE ASSESSMENT
m pl e HOME INSURANCE ASSESSMENT Sa Street Address, Suburb File. 0000 Date. December 2014 Street Address, Suburb Page 1 of 8 File. 0000 Date. December 2014 Client Name Street Address Suburb HOME INSURANCE
More informationBMIC S APPETITE GUIDE EFFECTIVE JUNE 2013
The following guide is a general list of Builders Mutual s appetite for business classes residential and commercial WorkSafe workers compensation and Builders Best general liability (including trade contractors),
More information2. Complete the appropriate sections of the Auto/Home Quote form. 4. Return all materials to Paul Goebel Group. or your local Citizens Agent.
Instructions 1. Print off all necessary forms 2. Complete the appropriate sections of the Auto/Home Quote form. If you have any questions while completing this form please call Alice at 1-800-632-4591.
More informationSchedule B to By-law 33-2009
Amended by By-law 8-2016 Note: This consolidation is prepared for convenience only. For accurate reference the original by-laws should be reviewed. Floor Area Calculation Floor area shall: Schedule B to
More informationAPPLICATION FOR NON-SUBSTANTIAL DAMAGE / IMPROVEMENT REVIEW
APPLICATION FOR NON-SUBSTANTIAL DAMAGE / IMPROVEMENT REVIEW Parcel Number: Owner s Name: Co-Owner s Name: Owner s Mailing Address: Owner Phone Number: FIRM Panel: Lowest Floor Elevation (excluding garage):
More informationHousehold Insurance Quote Form
Household Insurance Quote Form Ref: Babraham 2015 Please complete all of the following information in order for us to provide you with our most competitive quotation. Personal Details: Title: Full Name:
More informationConservatory warm roof conversion system
Conservatory warm roof conversion system IS YOUR EXISTING CONSERVATORY ROOF: Too hot in summer or too cold in winter? Waste of valuable living space? Unable to relax to watch TV? Transform your conservatory
More informationGeneral Advice. 2 rear single storey
Introduction This advice leaflet has been produced to help in the planning of your house extension, by identifying the main points to consider, in order to achieve an acceptable proposal. This leaflet
More informationNATIONAL FLOOD INSURANCE PROGRAM (NFIP) SUBSTANTIAL DAMAGE/ SUBSTANTIAL IMPROVEMENT (50% RULE)
NATIONAL FLOOD INSURANCE PROGRAM (NFIP) SUBSTANTIAL DAMAGE/ SUBSTANTIAL IMPROVEMENT (50% RULE) If your home or business is located within a 100-year floodplain and it was constructed through a County Building
More informationSCHEDULE OF FINISHES AMBLE RIDGE RETIREMENT VILLAGE
SCHEDULE OF FINISHES AMBLE RIDGE RETIREMENT VILLAGE SITEWORKS FOUNDATIONS & SURFACE BED Site to be cleared and leveled. Builder s rubble to be carted away. As per Engineer s design, with USB green waterproofing.
More informationProperty Owner s Data Sheet
Property Owner s Data Sheet 1). Property Address 2) Primary Owners Name: 3) Secondary Owners Name: 4) Primary Owners Tax ID# - - 5) Home Phone: ( ) Work Phone: Fax Number: E-Mail Address: Postal Address:
More informationNAHB 1-00-0000 PRODUCT DEFINITION
NAHB Standard Homebuilder Cost Codes Cost Code Description 1-00-0000 PRODUCT DEFINITION 1-01-0000 PREAQUISITION COSTS 1-01-0110 Feasibility Study 1-01-0120 Environmental Impact Study 1-01-0130 Option Fees
More informationInsurance for Your House and Personal Possessions
Make sure your insurance agent knows about any improvements or additions to your house since you last talked about your insurance policy. If you don't increase your limits to cover the cost of Insurance
More informationContract works questionnaire
Contract works questionnaire Policyholder Policy number Answers to the following questions and any additional information supplied to us on your behalf assist us in the assessment of the risk. All material
More informationWhat you need to know about. Being an owner-builder
What you need to know about Being an owner-builder 2 Many owner-builders gain great satisfaction from undertaking their own building work. What is an owner-builder? An owner-builder is defined as a person
More informationASBESTOS INSPECTION REPORT 2 Delaware Street, 38 and 39 North Henry Court South Burlington, VT 05403 AIP 84
ASBESTOS INSPECTION REPORT 2 Delaware Street, 38 and 39 North Henry Court South Burlington, VT 05403 AIP 84 December 16, 2011 Revised January 31, 2012 KAS PROJECT # 509110228 PREPARED FOR: Stantec, Inc.
More informationOur purpose is to empower you to confidently agree a fair price in one of life s most important purchases - your home.
Dear Client Thank you for instructing Allied Surveyors & Valuers to undertake a RICS HomeBuyer Report which is a service licensed by the Royal Institution of Chartered Surveyors (www.rics.org). The report,
More informationD Sample Notices to Property Owners, Sample Affidavits, and Other Material
D Sample Notices to Property Owners, Sample Affidavits, and Other Material These samples are offered to illustrate specific points in the Desk Reference. States and communities should examine them carefully
More informationMidelney Place. Curry Rivel, Langport, Somerset
Midelney Place Curry Rivel, Langport, Somerset Midelney Place Curry Rivel, Langport, Somerset TA10 0NU Langport 1.5 miles, Taunton 12 miles (London Paddington from 110 minutes) Sherborne 21 miles, Yeovil
More informationSubstantial Improvement/Damage Notice to Property Owners
Substantial Improvement/Damage Notice to Property Owners Rebuilding, Remodeling, Adding on, or Renovating Your Home Here is infonnation YOU need to know about the 50% Rule If your home or business is below
More informationYour guide to understanding changes to our home insurance
This year your NZI home cover is different We recommend you: Check the Total Sum Insured amount provided on your Policy Schedule Estimate the likely cost of rebuilding your home, taking into consideration
More informationa passion for excellence private residential sector
a passion for excellence private residential sector residential education heritage community Bolt & Heeks big enough to cope, small enough to care commercial special works a passion for excellence our
More informationSubstantial Improvement/Damage (FEMA 50% Rule) Frequently Asked Questions and Information
SUBSTANTIAL IMPROVEMENT/DAMAGE WORKSHEET (FEMA 50% RULE) South County: Development Services North County: Development Services 4000 Tamiami Trail S. Room 122 1001 Sarasota Center Blvd Venice, Florida 34293-5076
More informationBILL OF QUANTITIES Part No.: Part Description
Page 1 of 5 A. REMOVAL OF STRUCTURES 801 Demolition of Existing Structure lot 1 in words in words B. MASONRY WORKS 506(1)a Masonry Units (CHB) sq.m. 58.80 in words in words C. FABRICATED MATERIALS & HARDWARE
More informationHome Insurance Proposal Form
Home Insurance Proposal Form Introduction You must take care in answering all the following questions which are relevant to us in providing this insurance and setting the terms and premium. Please contact
More informationSUBSTANTIAL IMPROVEMENT/DAMAGE NOTICE TO PROPERTY OWNERS
SUBSTANTIAL IMPROVEMENT/DAMAGE NOTICE TO PROPERTY OWNERS Rebuilding or repairing your home/business after the storm? Adding on, renovating, or remodeling your home/business? Here s information YOU need
More informationCondition Report SAMPLE. Property address. Client s name. Date of inspection
Client s name Date of inspection Contents 1 A B C D E F G H I J K Introduction to the report About the inspection Summary of the condition ratings About the property Outside the property Inside the property
More informationEMR Shielding of single level home from 3G mobile phone tower
YSHIELD Shielding Paints EMR Shielding of single level home from 3G mobile phone tower Project carried out by YSHIELD Australia using HSF 54 shielding paint and Eco 30 shielding fabric. 1) Shielding paint
More informationGuide to Improving Your Home
Guide to Improving Your Home WELCOME Contents Where to start 03 Improvement ideas 04 Outside 04 Kitchen 05 Living space 05 Bathroom 06 Bedrooms 06 Get more space 07 Add an extension 07 Convert a garage
More informationMOORLAND VIEW Old Battersby, North Yorkshire
MOORLAND VIEW Old Battersby, North Yorkshire MOORLAND VIEW OLD BATTERSBY, NORTH YORKSHIRE TS9 6LU AN ELEGANT, STONE BUILT, FOUR BEDROOM FAMILY HOME WITH APPROXIMATELY ONE ACRE OF LAND SITUATED IN THE NORTH
More informationHome Advantage Insurance
Home Advantage Insurance Our Home Advantage policy is designed to provide you with a broad range of cover when insuring the buildings and contents of your home, fine art and valuables. You may insure the
More information7 Temple Close Dorchester, Dorset
7 Temple Close Dorchester, Dorset 7 Temple Close, Dorchester, Dorset DT1 2QL A Modern Detached Four Bedroom House within the popular Castle Park residential part of Dorchester, close to Thomas Hardy School
More informationDesign Essentials. Stockland Residential Communities 1 st January 2014
Design Essentials Stockland Residential Communities 1 st January 2014 WELCOME TO THE DESIGN ESSENTIALS The Design Essentials form part of your Contract of Sale and assist when designing your home and landscape.
More informationBefore we begin the process of finding your new home, let s go through some very important points you should know to make this experience more
Before we begin the process of finding your new home, let s go through some very important points you should know to make this experience more enjoyable. DON T WORRY...you will find the right home!..you
More informationDESIGN AND ACCESS STATEMENT PLANNING APPLICATION. 25 Gilston Road, SW10 9SJ June 2015
DESIGN AND ACCESS STATEMENT PLANNING APPLICATION 25 Gilston Road, SW10 9SJ June 2015 CONTENTS 1.0 INTRODUCTION 2.0 SITE & CONTEXT 2.1 SITE CONTEXT 2.2 CONSERVATION AREA 3.0 BACKGROUND 3.1 RELEVANT PLANNING
More informationResidential Adjustments. Overview 4.1
Overview 4.1 Summary This chapter contains an overview of residential structural components, quality of construction, main dwellings, and construction types. It also provides adjustments such as wall height,
More informationCONTRACTOR PRE-QUALIFICATION QUESTIONNAIRE FOR COMPANIES EMPLOYING FIVE OR LESS EMPLOYEES
CONTRACTOR PRE-QUALIFICATION QUESTIONNAIRE FOR COMPANIES EMPLOYING FIVE OR LESS EMPLOYEES GENERAL INFORMATION Company Name: Company Address: Telephone No. Fax No. Mobile No. Email Address Year Company
More information